Before you buy travel insurance for your next vacation or business trip, be sure that you know exactly what you are looking for. The following are 7 useful guidelines to help travellers select the best cover.
1. Check your personal insurance policies first.
Don?t assume that your personal home, medical, or life insurance policies will cover you during travel. Many polices are null and void once you leave the borders of your country or enter into a politically unstable environment. Know what kind of medical coverage you get during your vacation; that way, when you talk to your travel insurance provider, you will know exactly what you need to ensure that you are fully protected.
2. Know the types of travel insurance.
Travel insurance is an umbrella term for a number of different types of policies and plans. Travel insurance can be as simple as getting cancellation and baggage retrieval coverage or as complex and getting cancellation, full medical, accidental death, adverse weather, and extreme sports coverage. Your specific destination and needs will determine which kind of travel insurance you actually need.
3. Know who is providing your insurance.
It is not uncommon for travel agencies, resorts, or other supplier-based organizations to offer travel insurance. This isn?t always a good idea. Travel insurance booked through tour operators and travel agents tends to be more expensive than insurance booked through a third-party supplier. In addition, insurance through a travel agency or resort may not be honoured if that supplier goes bankrupt before your trip occurs.
4. Remember that price doesn?t mean quality.
More expensive coverage doesn?t necessarily mean better coverage. Travel insurance can come in a variety of forms and include a variety of coverage types. Although comprehensive packages will probably cost more than basic coverage, never use price as the sole indication of whether or not a travel insurance plan will meet your needs.
5. Get your travel insurance at the time of booking.
Travel insurance purchased at the time of booking will almost always be less expensive than last-minute coverage. In addition, coverage purchased one to two weeks before your trip occurs often excludes certain contingencies; cancellation reimbursements due to the bankruptcy of your vacation provider, extreme weather conditions, or political strife might not be allowed too close to your trip.
6. Consider an annual policy.
If you are going on more than one trip in a year, an annual policy might be best for you. When you are a regular traveller, annual travel insurance is less expensive and often more comprehensive than individual plans.
7. Read the fine print.
Although reading the fine print is not something that most people look forward to, it is an important step when getting travel insurance. The only way you can guarantee a full understanding of your policy is to know the details ? what is included, what is excluded and what are the conditions?
Like all good things, getting the right travel insurance policy takes time and understanding. Never sign up for anything without first being familiar with it, and make sure that your agent is someone you trust. The peace of mind you gain from a good insurance policy will make your vacation better than you ever thought possible.
Source: http://www.adventurebimbling.com/travel-articles/buying-travel-insurance-7-tips/
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